2 Responses for "Can a person be added to a car insurance without being listed as the driver?"

1. taylor lautner February 4th, 2010 at 3:29 am 1

   I hate to say it but its considered illegal to do that (its insurance fraud) You would have to "sell" your car to your parents, have it remain at their house and you would need to be listed as a driver. If you arent listed as a driver and you have a loss not only does that give the insurance company grounds to decline any claim that may arise and leave you in more dire financial need then you are now, it gives them grounds to cancel your parents insurance for non-disclosure of information and be criminally penalized This is turn would cause your parents a big hassle in obtaining other insurance as a record is kept and usually when a new policy is signed an insurance history report is pulled. Something like being cancelled for non-disclosure can cause them to be insured by a residual insurance company that covers high risk and premiums for this are usually about triple normal rates. I wouldnt risk it because its very easy for an insurance company to put surveillance on someone and that could not be fun Youre best bet is to insure it yourself, and I hate to say it but if you cant afford it maybe buying a vehicle should be put off, just for yours and your parents safety, or try and find another source of income, second job or something that could earn you enough to cover your premiums. Good luck I hope you make the right choice Source(s): Underwriter 3+yrs

2. justin bieber February 4th, 2010 at 3:29 am 2

   If you have a license, you have to be listed as a driver on at least one of your family's vehicles. Or, you can be excluded from them, which would waive coverage for you if you were driving, which is not a good idea.